contoh.

u invest RM10,000 dan dividedns 5%. betul, u akan dapat penuh 5%, iaitu RM500.

tapi selepas u dapat rm500. yg tinggal adalah rm9500. bukan rm10,000 atau rm10500.

kalau u re-invest, still rm10,000 dan unit akan bertambah.

yg penting faham apa itu dividedns atau income distribution vs capital gain in UT sebelum beli.

contoh lagi:

Income Distribution VS capital gain.

Total return in UT = income distribution(if any) + Capital gain/loss.

The effect of income distributions if cash out.

Public SmallCap Fund.

Risk Factor : Aggressive.

Financial year : 31 August

Launch Date : 13/06/2000

If RM10,000 invested in this Fund on 13/06/2000. After the service charge, 20,000 units purchased at RM0.470 for the price RM9400.00

Current value/returns as at 01/12/2010:

Public Smallcap Fund = RM40,931.95 with market price RM0.8732 per unit. (the income distribution re-invested)

Public SmallCap fund managed to give up to RM40,931.95 (309.31% in 11 years). with average simple return 28.12 annually.

Actual Profits = RM40,931.95 - RM10,000 = RM30,931.95

Total return = RM30,931.95 / RM10,000 X 100 = 309.31%

Average simple return 309.31% / 11 years = 28.12%

Since the distributions for RM10,000, re-invest back (Compounding interest) , Public Smallcap fund managed to give RM40,931.95 as at 01/12/2010.

tis is call capital gain over the time.

Let see what will happen if the distributions take out as CASH. (No Compounding interest to work for money)

2000 - No distribution given for Public Smallcap fund

2001 - No distribution given for Public Smallcap fund

2002 - RM0.040 given for per unit.

Total units purchased X Rm0.040

20,000 X Rm0.040 = RM800.00 (Taken out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2003 - RM0.035 given for per unit.

Remaining units X Rm0.035

20,000 X Rm0.035 = RM700.00 (Taken out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2004 - RM0.050 given for per unit.

Remaining units X Rm0.050

20,000 X Rm0.050 = RM1000.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2005 - RM0.060 given for per unit.

Remaining units X Rm0.060

20,000 X Rm0.060 = RM1200.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2006 - RM0.050 given for per unit.

Remaining units X Rm0.050

20,000 X Rm0.050 = RM1000.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2007 - RM0.090 given for per unit.

Remaining units X Rm0.090

20,000 X Rm0.090 = RM1800.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2008 - RM0.080 given for per unit.

Remaining units X Rm0.080

20,000 X Rm0.080 = RM1600.00 (Taken out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2009 - RM0.080 given for per unit.

Remaining units X Rm0.080

20,000 X Rm0.0850 = RM1600.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

2010 - RM0.090 given for per unit.

Remaining units X Rm0.090

20,000 X Rm0.090 = RM1800.00 (Cash out)

If the distributions taken out, the remaining units in investment are still 20,000 units.

Total incomes/distributions taken out (Cash out) are:

2002 -RM800.00 (No Compounding interest for next 8 years)

2003 - RM700.00 (No Compounding interest for next 7 years)

2004 - RM1000.00 (No Compounding interest for next 6 years)

2005 - RM1200.00 (No Compounding interest for next 5 years)

2006 - RM1000.00 (No Compounding interest for next 4 years)

2007 - RM1800.00 (No Compounding interest for next 3 years)

2008 - RM1600.00 (No Compounding interest for next 2 years)

2009 - RM1600.00 (No Compounding interest for next 1 years)

2010 - RM1800.00 (No Compounding interest for next 0 years)

Total - RM11,500.00.

If the remaining 20,000 units sell-back at RM0.8732 on 01/12/2010 = RM17,464.00

Total returns = RM11,500.00 + RM17,464.00 = RM28,964.00 only

So,

If the distributions NOT taken out and let the compounding interest work, As at 01/12/2010 the return is RM40,931.95.

If the distributions taken out, the return only = RM 28,964.00.

Diff = RM40,931.95 - RM 28,964.00 = RM11,967.95

If distributions re-invest back, the units will grow and more returns over the time if the fund perform well.

so, this is how to get high capital gain by re-invest the income over the time.

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HOW TO CALCULATE THE UNIT TRUST AT- www.pk31-publicmutual.blogspot.com

Public Mutual declares distribution for Public Enterprises Bond

Fund

Public Bank’s wholly-owned subsidiary, Public Mutual, declared a gross distribution

of 0.25 sen per unit and unit split of 1:100 for Public Enterprises Bond Fund

(PENTBF). The distribution announcement was made in conjunction with the fund’s

financial period ending 30 September 2012.

PENTBF, which was launched in March 2012, aims to provide annual income

through investments in fixed income securities and money market instruments.

PENTBF seeks to meet its objective of providing annual income by investing at least

75% of its net asset value (NAV) in sovereign bonds and corporate bonds issued by

entities with total assets exceeding RM3 billion at the point of purchase. The balance

of the fund’s NAV will be invested in other corporate bonds and money market

instruments.

PENTBF is suitable for investors with conservative risk-reward profiles, seeking

stability of annual income with some safety of principal.

Public Mutual is Malaysia’s largest private unit trust company with 94 funds under

management. It has 2.7 million accountholders. As at end August 2012, the total net

asset value of the funds managed by the Company was RM49.95 billion.

------------------------------------------------------------------------

Public Mutual mengumumkan pengagihan untuk Public Dana

Enterprises Bond

Anak syarikat milik penuh Public Bank, Public Mutual, mengumumkan pengagihan

kasar sebanyak 0.25 sen seunit dan pecahan unit sebanyak 1:100 bagi Public Dana

Enterprises Bond (PENTBF). Pengumuman pengagihan tersebut dibuat sempena

dengan tempoh kewangan dana berakhir pada 30 September 2012.

PENTBF yang telah dilancarkan pada bulan Mac 2012, bermatlamat untuk

menyediakan pendapatan tahunan melalui pelaburan dalam sekuriti pendapatan tetap

dan instrumen pasaran wang.

PENTBF bertujuan untuk mencapai objektifnya dengan menyediakan pendapatan

tahunan dengan melabur sekurang-kurangnya 75% daripada nilai aset bersihnya

(NAB) ke dalam bon berdaulat dan bon korporat yang dikeluarkan oleh entiti-entiti

yang mempunyai jumlah aset melebihi RM3 bilion pada masa pembelian. Baki NAB

dana akan dilaburkan ke dalam bon-bon korporat dan instrumen pasaran wang lain.

PENTBF adalah sesuai bagi pelabur-pelabur yang bersifat konservatif dalam menerima

risiko dan ganjaran serta ingin memperolehi pendapatan tahunan yang stabil dengan

wang pokok yang agak selamat.

Public Mutual merupakan syarikat unit amanah swasta yang terbesar di Malaysia

dengan menguruskan sebanyak 94 dana. Syarikat tersebut mempunyai seramai lebih

2.7 juta pemegang akaun. Pada akhir bulan Ogos 2012, jumlah nilai aset bersih dana

yang diuruskan oleh syarikat tersebut adalah sebanyak RM49.95 bilion.

We wish to inform that effective 1 January 2013, the new requirement for Mutual Gold Members will be a minimum investment of 120,000 Mutual Gold Qualifying Points (MGQP), based on the First Registered Holder.

Existing Mutual Gold Members will continue to enjoy the Mutual Gold exclusive privileges and benefits based on the minimum investment of 100,000 MGQP. However, the new requirement of 120,000 MGQP will apply if they lose their Mutual Gold status (ie. their total MGQP drops below 100,000 and they do not top up within three (3) months).

Mutual Gold members will enjoy the following exclusive benefits and privileges namely :

Free Group Personal Accident with Permanent Disability Insurance coverage of up to RM500,000. Please refer to the terms and conditions of this insurance coverage.

A complimentary Magazine

Quarterly Statement of Accounts

Repurchase Cheques Within 2 Business Days

A Co-Brand Mutual Gold-PB Visa Platinum Credit Card which comes with: -Annual fee waiver

RM50 Activation Cash Reward & RM50 Anniversary Cash Reward

PB Cash MegaBonus of up to 0.9% on selected retail purchases

0.3% Mutual Gold Cash Bonus on selected retail purchases, subject to a maximum payment of RM100 per annum, to be credited to the card account during birthday month.

-A chance to win a Surprise Gift on your birthday!

Free Will Writing service

Free Trust Nominations

Invitation to seminars and investment talks

What is Mutual Gold? - http://www.publicmutual.com.my/OurProducts/OtherProducts/MutualGold.aspx

So, those invest or complete regular investment or top up to RM100,000 before 31 Dec 2012, will eligible for Mutual Gold Member. Starting 1st Jan 2013, it will be RM120,000.

Kindly pls call your servicing agent for more detail.

http://biz.thestar.com.my/news/story.asp?file=/2012/9/29/business/12084724&sec=business

Your retirement plan at http://www.pk31-retire.blogspot.com/